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  Citi® Double Cash Card

Citi® Double Cash Card

in Personal Credit Cards from Citibank

Unaffiliated

Citi® Double Cash Card

Unaffiliated

in Personal Credit Cards from Citibank

SuperMoney Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

11 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 13.99% - 23.99%
Balance Transfer APR  (Variable APR) 13.99% - 23.99%
Credit Score Range 680 - 850
Annual Fee $0
Number of Reviews 11

Citi® Double Cash Card Review

This is a cashback credit card issued by Citibank. If you're wondering whether Citi Double Cash card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Citi® Double Cash Card has a variable purchase APR that ranges from 13.99% up to 23.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Citi® Double Cash Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Citi Double Cash card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No annual fee.
  • Multiple credit card perks.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Citi® Double Cash Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Citi Double Cash card FAQ

Does Citi Double Cash card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

Citi Double Cash card Rewards
Minimum rewards rate 2x
Max rewards rate 2x
Annual rewards limit N/A

Does Citi Double Cash card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Citi Double Cash card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Citi Double Cash card benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Citi Double Cash card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 13.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citi Double Cash card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.

Citi® Double Cash Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 18 months
Balance Transfer APR 13.99% - 23.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Citi Double Cash card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Citi Double Cash card?

The following fees apply:

Citi Double Cash card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Citi Double Cash card have a foreign transaction fee?

Citi Double Cash card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Citi Double Cash card?

The Citi Double Cash card customer service number is (800) 950-5114.

What is the support contact email for Citi Double Cash card?

The support contact email for Citi Double Cash card is customer.help@citi.com.

How do people rate the customer service and user experience of Citi Double Cash card?

Overall, Citi Double Cash card is strongly recommended based on community reviews that rate customer service and user experience.

Does Citi® Double Cash Card report your account activity to credit bureaus?

Yes, Citi® Double Cash Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citi Double Cash card

  • Visit the Citi Double Cash card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
Rewards Categories
  • 2% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 25.24%
Balance Computation daily balance (including current transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 13.99% - 23.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer APR (Variable APR) 13.99% - 23.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Cashback
  • Rewards
Card Network Mastercard

Citi® Double Cash Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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